Foreclosure Prevention/Loss Mitigation Counseling

One-on-one counseling designed to help you reach the best possible solution when faced with the loss of your home to foreclosure.  There are options available and we can help you understand those options and pursue the best one for your situation.  Mediation with your mortgage company is available.

To begin the process of working with a housing counselor, please visit the Illinois Hardest Hit Fund website, www.illinoishardesthit.org and fill out their application.  Select “Mid Central Community Action” as your counseling agency to work with MCCA.  We will contact you after the application and documents are complete to explain the next steps and schedule an appointment. 

Learn more about coping with difficulty

Sample Hardship Letter

There is no charge for this service! 

Foreclosure FAQs

Q. Does MCCA provide grants or “free” money to help me pay my mortgage?  No, MCCA does not provide grants.

Q.  How long does it take before I am told to leave the home?  It can take approximately 12-15 months from the first missed payment for the entire foreclosure process to be completed in Illinois.  See Foreclosure Timeline.

Q.  Do I have to live in the home in order to receive free counseling services?  Yes.  You must currently live in the property.  MCCA is unable to provide counseling services on properties purchase as an investment.   

For more information, please contact Kathy Shubert at (309) 834-9242 or email her at kathys@mccainc.org.